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re: Looking for suggestions- $100k for 18 months investment
Posted on 1/21/22 at 2:00 pm to Bearcat90
Posted on 1/21/22 at 2:00 pm to Bearcat90
quote:
Actually, so called "Jumbo" CD's will pay you around 0.5 to 0.7 rates. Minimum is usually around 100k. The rates I mentioned are for 18 months. Easy to find on the interwebs.
Would these have early withdrawal penalties? Not sure it is worth it to make $500 over 18 months.
3
Posted on 1/21/22 at 2:16 pm to TDTOM
quote:
Would these have early withdrawal penalties? Not sure it is worth it to make $500 over 18 months.
I believe they do, yes.
Honestly, if I had 100k on hand I'd find a few houses to flip. I don't see that bubble bursting anytime with so few new houses being built and population continuing to rise.
You might want to look in to treasury bills also.
Posted on 1/21/22 at 2:43 pm to GeneralLee
quote:
Stable value fund can get you 1-2% yield.
I’ve seen you mention this a few times - give us a ticker for this investment.
Posted on 1/21/22 at 3:36 pm to slackster
quote:
I’ve seen you mention this a few times - give us a ticker for this investment.
Posted on 1/21/22 at 3:40 pm to ehidal1
Take the Rams and the points
Posted on 1/21/22 at 4:23 pm to ehidal1
Bitcoin? 
Honestly, probably not bad
Honestly, probably not bad
Posted on 1/21/22 at 6:13 pm to ehidal1
Do not risk money that you need for money that you do not need. If I am you, I am seeking to preserve value (inflation risk) moreso than grow value in 18-months, particularly as I assume 18-months means you NEED it then.
Good luck!
Good luck!
Posted on 1/21/22 at 10:52 pm to ehidal1
quote:
I will have about $100k to invest for about 18 months. Looking for something with a relatively low risk and the best return possible (at this risk level).
Look at some of the bonus offers from Citi, Wells, Discover, Marcus, Schwab, etc. With $100k spilt between at least a couple of them, you should be able to get a total of $1500 or so in bonuses, plus whatever interest you gain. Some require you to keep the money with them for 12 months from date of account opening. Others are 90 days. Just read the terms and conditions.
Since you sound like you have a hard timeline, I wouldn’t get involved in anything that’s not defined short term.
Posted on 1/24/22 at 11:06 am to boogiewoogie1978
quote:
Take the Rams and the points
Did you double your investment?
Posted on 1/24/22 at 8:46 pm to Bearcat90
quote:
I don't see that bubble bursting anytime
Isn’t that what makes a bubble a bubble instead of the new best way to grow money long term?
Posted on 2/7/22 at 5:30 am to ehidal1
What the minimum you would need in 18 months? Would you be ok with 80k? 60k?
We’re in a higher inflation environment so just sticking in low yielding “safe” savings rate is actually returning negative value. I’d consider spreading across a few equities that should do well with rising rates: energy, durable goods, google/msft/ Amazon.
We’re in a higher inflation environment so just sticking in low yielding “safe” savings rate is actually returning negative value. I’d consider spreading across a few equities that should do well with rising rates: energy, durable goods, google/msft/ Amazon.
Posted on 2/7/22 at 5:34 am to C
Take the Rams in the Super Bowl
Posted on 2/7/22 at 6:48 am to slackster
VWINX. This is what I use instead of the money market account.
Posted on 2/7/22 at 10:52 am to ehidal1
You could stake stablecoins on Crypto.com.
12% annual returns. Only real risk is that Crypto.com goes down (which with them buying the naming rights to the Staples Center for 10 years... they'll be fine)
12% annual returns. Only real risk is that Crypto.com goes down (which with them buying the naming rights to the Staples Center for 10 years... they'll be fine)
Posted on 2/7/22 at 11:03 am to OldRebYeller
quote:
You could stake stablecoins on Crypto.com.
12% annual returns. Only real risk is that Crypto.com goes down (which with them buying the naming rights to the Staples Center for 10 years... they'll be fine)
He said low risk...
Posted on 2/18/22 at 10:48 am to ehidal1
My goodness there are some hot takes in this thread.
OP - that's a pretty difficult "ask". Everyone defines risk differently and their own personal risk tolerance, again, varies greatly. As you can see from some of these responses, there actually people out there that think Bitcoin and Amazon stock are "relatively low risk". I shouldn't have to explain how absurd that is.
If you need to use the money in 18 months, don't take any risk and just go with a basic FDIC insured High-Yield Savings account. Regardless of what anyone here says, no one knows what the markets will do in any given 18-month time period.
If you don't actually need to use the money in 18 months and are willing to take some risk, then you need to re-assess what your goal is and diversify the funds in a conservative - or 100% Bonds - investment strategy. Inflation-Protected Bonds could be a good safe-ish bet but, I will repeat, nothing is guaranteed and Bonds could lose money in the next 18 months (especially given current interest rate and inflationary pressures).
Other considerations could maybe be I-Bonds or CDs? Again, your goal with this money is important and that ultimately dictates how much risk you should take with the cash as much as your personal risk preference.
OP - that's a pretty difficult "ask". Everyone defines risk differently and their own personal risk tolerance, again, varies greatly. As you can see from some of these responses, there actually people out there that think Bitcoin and Amazon stock are "relatively low risk". I shouldn't have to explain how absurd that is.
If you need to use the money in 18 months, don't take any risk and just go with a basic FDIC insured High-Yield Savings account. Regardless of what anyone here says, no one knows what the markets will do in any given 18-month time period.
If you don't actually need to use the money in 18 months and are willing to take some risk, then you need to re-assess what your goal is and diversify the funds in a conservative - or 100% Bonds - investment strategy. Inflation-Protected Bonds could be a good safe-ish bet but, I will repeat, nothing is guaranteed and Bonds could lose money in the next 18 months (especially given current interest rate and inflationary pressures).
Other considerations could maybe be I-Bonds or CDs? Again, your goal with this money is important and that ultimately dictates how much risk you should take with the cash as much as your personal risk preference.
Posted on 2/18/22 at 11:24 am to ehidal1
Put 20,000 in ibonds assuming you're married.
Posted on 2/18/22 at 11:55 am to ehidal1
If you need liquidity and protection of principal, equities are completely off the table.
I’d probably start with Muni’s. Something high grade with a high coupon to keep duration at a minimum.
I’d probably start with Muni’s. Something high grade with a high coupon to keep duration at a minimum.
Posted on 2/18/22 at 12:03 pm to bayoubengals88
quote:
Put 20,000 in ibonds assuming you're married.
Husband & wife (or even a friend) could put 40k into I-bonds between the two of them in same year and be able to redeem all of it in one year.
To do this, they would buy an I-bond 10k gift for each other. To not violate the annual limit, the key is to not deliver the gift till the following calendar year. I-bond gifts will sit in a 'gift box' until delivered and won't count against any limit.
The 1 year I-bond lock up starts when it is purchased (not when delivered in the case of a gift).
You could even front load more I-bond gifts if you want, but you couldn't deliver each additional 10k gift till another calendar year.
Be aware, when you buy an I-bond as a gift it is irrevocable and there is no way to get a refund or change ownership back to yourself. All you have control of is when the gift is delivered.
Posted on 2/18/22 at 12:06 pm to ehidal1
$100k / $18 = 5500 shares of F.
Ford is spinning off their EV division, so you get a growth stock and a Democrat loved bluechip all in one.
Ford is spinning off their EV division, so you get a growth stock and a Democrat loved bluechip all in one.
This post was edited on 2/18/22 at 12:08 pm
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